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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $94,447 | $110,137-14.2% | $161,149-41.4% | $82,637+14.3% |
| Participation rate | 100.0% | 72.4%+27.6pp | 78.8%+21.2pp | 68.1%+31.9pp |
| Annual return | 13.89% | 20.69%-6.8pp | 21.16%-7.3pp | 53.51%-39.6pp |
| Employer contribution / active EE | $5,760 | $2,856+101.7% | $4,360+32.1% | $2,552+125.7% |
| Participant deferral / active EE | $7,481 | $4,575+63.5% | $6,153+21.6% | $4,126+81.3% |
| Admin fee / account holder | $1,367 | $9,467-85.6% | $15,194-91.0% | $7,339-81.4% |